Strategy • CX • Product Leadership

Clarity in complexity.

Turning complex digital products into clearer customer experiences, stronger product thinking and better business decisions.

Senior product and customer experience leader with 12+ years in financial services, fintech and complex digital ecosystems — working across product strategy, customer experience, research and delivery.

Tsholofelo Khumalo
0%
VAF digital adoption increase
0%
Increase in Apply Now clicks
~R0m
Loan adjustment adoption value
0+ yrs
Years in fintech and mobile ecosystems

Selected work

All three →
01Transforming digital vehicle financeAbsa Vehicle & Asset FinanceLed the shift of a traditional vehicle-finance business toward digital acquisition and self-service across web, mobile and authenticated banking.43% digital adoption35% Apply Now clicks~R10m loan adjustment+3.4% digital settlementRead the case studyDigital onboarding flow for Absa vehicle finance: get started, verify identity, selfie check, complete application, application submitted, with a retry branch and account-ready success state.02Designing the service ecosystem behind modern card paymentsAbsa Card & PaymentsDirected customer journeys and service blueprints across tokenisation, push provisioning, card enrolment and Tap to Pay — shaping the service behind the payment, not the interface on top of it.Read the case studyAbsa payment approval flow: in-app initiation request to accept or reject an online payment, alongside the Ozow authorisation screen03Building a new financial-services mobile ecosystemSanlam AppShaped experience strategy and product direction for a multi-business-unit financial-services ecosystem — aligning stakeholders across regulated journeys, legacy systems and private-beta launch readiness.Read the case studySanlam ecosystem map: mobile app at the centre connected to security, services, planning, support, accessibility, ecosystem, growth, insights, wellbeing and experience
Some brands & organisations I've worked with
AbsaSanlamOgilvyOgilvy HealthThe Media HouseSouth African TourismTourism Grading Council of South AfricaDepartment of HealthDepartment of Environmental Affairs

I work where customer needs, regulation, technology and commercial objectives collide.

I have led work across financial services — vehicle finance, digital banking, cards and payments, mobile ecosystems — where the hard part is rarely the screen. It is the decision behind it.

More about me

Open to international remote roles and select consulting opportunities.

Product Strategy · CX Strategy · Digital Transformation · Product Leadership

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